No, we're not sisters!

Buying a home is an exciting milestone for any couple, but for LGBTQ+ couples in Florida, the process often comes with extra layers of consideration beyond the usual steps of mortgage approval and property search. The truth is, when it comes to qualifying for a loan or making an offer, LGBTQ+ couples face the same financial and legal hurdles as anyone else. However, what often differs is the extra due diligence many couples undertake to ensure their new home and community truly affirm and support their family.

The Homebuying Process: What’s the Same

Whether you’re a same-sex couple, a non-binary individual, or part of the broader LGBTQ+ community, lenders evaluate your credit, income, debt, and assets just like any other borrower. The approval process—whether it’s securing a mortgage or signing contracts—does not change based on sexual orientation or gender identity. Florida law also protects buyers against discrimination in housing under the federal Fair Housing Act and state protections.

What Might Be Different: Extra Due Diligence for LGBTQ+ Buyers

Many LGBTQ+ couples add extra research and planning to the home buying journey to ensure their new neighborhood is a safe and affirming environment. Here are some of the key factors that often come into play:

1. Safety and Inclusivity of the Community

• Research neighborhood demographics: Look for communities with visible LGBTQ+ populations or organizations, which can indicate a welcoming atmosphere. Online resources like the Human Rights Campaign's Municipal Equality Index rate cities on LGBTQ+ inclusivity.
• Local political climate: Some areas may have laws or local policies that either protect or fail to protect LGBTQ+ rights. Understanding the local government stance can impact your sense of safety and long-term comfort.

2. Schools and Education

• Many LGBTQ+ parents are especially concerned about whether local schools have affirming policies for LGBTQ+ students and families.
• Research school district websites for their nondiscrimination policies, presence of Gay-Straight Alliances (GSAs), and inclusive curricula.
• Local parenting groups or online forums can provide real insights into what it’s like to raise children as LGBTQ+ families in the area.

3. Community Amenities and Facilities

• Gender-neutral or all-gender bathrooms in public spaces, community centers, and schools can be important for families with transgender or non-binary members.
• LGBTQ+ friendly healthcare providers, mental health resources, and support organizations are essential resources to consider.
• Look into local events like pride parades, support groups, and LGBTQ+ community centers as signs of a supportive environment.
• 
  

Resources for LGBTQ+ Homebuyers in Florida

• Human Rights Campaign (HRC) – Municipal Equality Index: www.hrc.org/mei
• SAGE – Advocacy and Services for LGBTQ+ Elders: www.sageusa.org
• PFLAG – National organization for LGBTQ+ families and allies: www.pflag.org
• Florida Realtors® – Diversity & Inclusion Initiatives: Local chapters often offer resources and education.
• Local LGBTQ+ Centers: Many Florida cities have community centers that provide resources, social events, and guidance for homebuyers.
• Compass Community Center: Lake Worth, Florida (Palm Beach County)

Final Thoughts

Buying a home as an LGBTQ+ couple in Florida is very much the same process as for any other buyer—financial qualifications and legal protections apply equally. But the extra steps around researching community culture, schools, and affirming amenities can make a big difference in your long-term happiness and security. Taking the time to find a neighborhood that aligns with your values and supports your family’s unique needs will help you build a safe, welcoming home.

If you want guidance on navigating Florida’s real estate market with your specific family needs in mind, reach out. I’m here to help you find not just a house, but a home where you and your loved ones can truly thrive.